Aditya Birla Capital Ltd Q4 2022 Earnings Call Transcript

The following is excerpted from the question-and-answer section of the transcript.

Question: Aswin Balasubramanian - Hsbc Asset Management (India) Private Limited - Analyst : Just wanted to understand on the housing finance book. The restructured portion under moratorium you've mentioned is 3.4%. So earlier, if I'm not wrong the overall restructured book used to be about 7%, 7.5%. So I just wanted to understand the rest of the book has it come out of moratorium and when will this remainder come out of moratorium? And what's been the performance of the book, which has already come out of de-moratorium?

Question: Aswin Balasubramanian - Hsbc Asset Management (India) Private Limited - Analyst : And out of that 4.6%, how much should have sort of slipped? REFINITIV STREETEVENTS | www.refinitiv.com | Contact Us consent of Refinitiv. 'Refinitiv' and the Refinitiv logo are registered trademarks of Refinitiv and its affiliated companies. MAY 13, 2022 / 10:00AM, ADTB.NS - Q4 2022 Aditya Birla Capital Ltd Earnings Call

Question: Aswin Balasubramanian - Hsbc Asset Management (India) Private Limited - Analyst : And the similar number for the [NDS], the restructured book used to be about 4%, and that's come to 3%. So the rest of the book is -- the 3% is still under moratorium? Or does this also include a portion which has come out of the moratorium?

Question: Aswin Balasubramanian - Hsbc Asset Management (India) Private Limited - Analyst : And in the housing finance book, the prime home loans, I mean if I look at it, let's say, year-on-year also has come down even in absolute terms. So I mean, is this more like a conscious strategy? Or I mean, is it because of higher BPs out in the segment? And a related question would be, what would be the yields across the various segments in terms of affordable and prime home loan and LAP and affordable LAP?